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Credit Scoring and the Creation of a Generic Predictive Model Using Countries' Similarities Based on European Values Study

机译:基于欧洲价值观研究的国家相似度,信用评分和创建通用预测模型

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Starting with a new product in a new market brings companies a lot of risks and costs. There are companies, who can provide generic scoring models, but usually the accuracy of generic models is not sufficient and they are expensive. The possibility to create a generic predictive model based on a similar country model has been studied. The European Values Study and GESIS Data Archive have been used for research and the similarity coefficient has been calculated and used in the model. The results show that it is possible to build a new model using data from another, similar country and thus minimize costs and risks.
机译:从新产品中的一个新产品开始,带来了很多风险和成本。有公司,谁可以提供通用评分型号,但通常通用模型的准确性是不够的,而且它们很昂贵。已经研究了基于类似国家模型创建通用预测模型的可能性。欧洲价值观研究和Gesis数据存档已被用于研究,并且在模型中已经计算并使用了相似度系数。结果表明,可以使用来自另一个类似国家的数据建立新模型,从而最大限度地减少成本和风险。

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